Cottonwood Employer Assisted Housing Program

Cottonwood Employer Assisted Housing Program是面向Cottonwood，Arizona购房者的延期第二贷款。 Employer Assisted Housing (EAH) variant of the City of Cottonwood's Cottonwood Homeownership Program (CHP). Eligible employees of a partnering Cottonwood-area employer can receive a 3:1 city match (up to $15,000) on funds the buyer contributes toward down payment and closing costs, with the partnering employer contributing alongside the city. Designed to retain workforce in Cottonwood and the surrounding Verde Valley. Up to $15,000 in down payment / closing cost assistance for employees of partnering employers within the City of Cottonwood, structured as a 3:1 match of the buyer's contribution. Combined with companion CHP funds, total Cottonwood assistance can reach up to $40,000 for qualifying first-time Verde Valley homebuyers. 资金来自Local Government和Employer Match。

Cottonwood Employer Assisted Housing Program为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Sale, transfer, refinance with cash-out, or loss of owner-occupancy和repaid via equity-share / shared-appreciation formula。 该援助以2顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Cottonwood Employer Assisted Housing Program面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 关于信用，该项目说明：Mortgage-eligible based on credit and employment (no published minimum score)。 须参加购房者教育课程，由Housing Solutions of Northern Arizona提供。 居住要求：Must be employed by a partnering employer within the City of Cottonwood; must purchase home in the Verde Valley. 公民身份或移民身份：U.S. citizen or eligible non-citizen (per mortgage requirements)。 Employer-assisted variant of the Cottonwood Homeownership Program. Buyer must be a current employee of a partnering employer that has signed an EAH agreement with the City of Cottonwood and contributes a matching share toward the assistance. Typical partnering employers include the City of Cottonwood, Mingus Union High School District, Cottonwood-Oak Creek School District, Verde Valley Medical Center / Northern Arizona Healthcare, Yavapai College Verde Valley campus, and other major Cottonwood-area employers willing to sign an EAH MOU. Employer eligibility verified by HSNA. Mandatory homebuyer counseling through HSNA. Home must be a primary residence in the Verde Valley. City of Cottonwood is repaid via an equity-share / shared-appreciation formula upon sale, transfer, refinance with cash-out, or loss of owner-occupancy. Contact: Angela Koder, HSNA Housing Program Manager (928-214-7456 / angelak@housingnaz.org).

Cottonwood Employer Assisted Housing Program将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Low-to-moderate income workforce; aligned with CHP at approximately 80%-120% AMI for Yavapai County (4-person household figures up to ~$134,550 per the program income table). Final eligibility confirmed at counseling. 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Cottonwood Employer Assisted Housing Program的房价上限如下：No published maximum purchase price。 符合条件的房屋类型包括Single-family detached、Townhome和Condominium。 新建房屋符合条件。

Cottonwood Employer Assisted Housing Program服务于在Cottonwood，Arizona购房的购房者。

Cottonwood Employer Assisted Housing Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Application via Housing Solutions of Northern Arizona (housingnaz.org/prepurchase)预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。